Best Pet Insurance Plans for Multiple Pets (2023 Review)

 Jump To: Why Coverage Is Important for Multiple Pets | Savings | Typical Costs | Best Plans for Multiple Pets | Overview | How to Find the Best Insurance for Multiple Pets | Final Thoughts | FAQs | Methodology

If you own more than one pet, your chances of running into major veterinary bills are multiplied. That means pet insurance is a must-have – and with the additional cost, it’s all the more important to get the right policy. In this article, we’ll go over everything you need to know about buying insurance for multiple pets, including ways to save money while making sure your animals are protected.

With more than one pet, your monthly costs will be higher than if you were only insuring one. The good news, though, is that most pet insurance providers offer discounts on coverage for multiple pets. Providers with excellent benefits for people with multiple pets include:

• Spot: Best overall 
• Lemonade: Most affordable
• ASPCA: Most experienced 
• Embrace: Best for deductibles 
• Healthy Paws: Best for chronic conditions 
• Prudent Pet: Best for dog and cat parents who want basic options  
• Figo: Most flexible reimbursement rates
• Wagmo: Best for immediate reimbursement
• Trupanion: Most flexible deductible

*Certain conditions, such as cruciate ligaments or orthopedic conditions, may have longer waiting period times, usually six months to a year. This is common among many pet insurance providers, but most illnesses will be covered after the waiting period listed above.

Why Coverage for Multiple Pets is Important

Vet bills can be a financial burden even with one pet. With multiple pets, they can pile up quickly – especially if more than one animal gets hurt or sick at the same time. 

But if you buy the right policy, pet insurance can help you cover the costs of these bills. Most pet insurance policies will reimburse you for a large percentage of your total vet expenses, often between 70% and 90% once you’ve hit your deductible. This can help take a charge of many thousands of dollars and reduce it to a few hundred dollars. You’ll be able to protect your pets and your pocketbook at the same time.

Discounts for Multi-pet Insurance Policies

The best pet insurance providers for multiple pets offer discounts between 5% and 10% when you buy a policy for each animal.

 Pet Insurance Cost for Multiple Pets

We requested sample quotes from the top pet insurance providers to help you get a better idea of what you might pay for coverage for multiple pets. Quotes below were collected in February 2023 for a male 4-year-old labrador retriever and a male 2-year-old French bulldog living under the same roof in Atlanta, Georgia. All quotes are for policies that include an 80% reimbursement rate and a $500 deductible, unless otherwise noted. Prices are accurate at the time of the quote, but may change over time.

$5,000 multi-pet insurance discounts and average costs

$10,000 multi-pet insurance discounts and average costs

*All Wagmo policies include 90% to 100% reimbursement rates and $20,000 annual limits. 90% reimbursements were used for coverage quotes. 

Unlimited coverage multi-pet insurance discounts and average costs

*All policies from Trupanion include 90% reimbursement rates.

Cost of Multi-Pet Insurance for Cats

The sample cat insurance quotes below are for three American Shorthairs in Winston-Salem, N.C. We selected a Spot policy with a $4,000 annual limit, 80% reimbursement rate, and $250 deductible for each cat. 

Socks’ and Felix’s premiums have the 10% discount applied for a total of $2.58 in monthly savings.

Cost of Multi-Pet Insurance for Dogs

The following Spot dog insurance quotes are for three Beagles in Winston-Salem, N.C. We selected a $4,000 annual limit, 80% reimbursement rate, and $250 deductible for each dog.

Rusty’s and Copper’s premiums have the 10% discount applied for a total of $7.07 in monthly savings.

How Pet Insurance Works for Multiple Pets

Pet insurance for multiple pets works almost identically to standard reimbursement-based pet insurance for a single animal. Multi-pet insurance plans include a separate deductible for each pet, meaning that you’ll need to meet it with each dog or cat’s individualized care costs. You’ll pay for veterinary care at the time of service, submit a receipt to your insurance provider, and see a refund for a percentage of covered treatments your pet received. 

As you shop for a policy, you’ll notice a variety of coverage terms specific to the insurance industry. Be sure to review the following three important coverage points before you buy pet insurance. 

• Deductible. A plan’s deductible is the amount of money pet owners need to contribute to each pet’s care costs before insurance will begin reimbursing them. Multi-pet insurance policies include a unique deductible for each pet on the plan. 
• Reimbursement rate. The reimbursement rate is the percentage of your vet bills that insurance will cover after meeting your deductible. 
• Coverage limits. All pet insurance plans include upper limits on coverage. Note this coverage limit, which may be instituted annually or per condition.

How to Find the Best Insurance for Your Multiple Pets

To find the best multi-pet insurance, you can generate sample pet insurance quotes from a few providers. This will help you see available plan options and prices. You may find that one provider offers a customization level that lowers your premiums without cutting your coverage short. 

What To Look For in a Policy

While researching policies, look for providers that cover as many of your pet’s needs as possible.

For example, if you have a kitten and a senior cat, you’ll want to find a provider with no age limits and highly customizable rates. You might also need a wellness package add-on and physical therapy coverage for your little buddy’s first year and your longtime pal’s rehabilitation.

Keep an eye out for companies that offer discounts, too. We know that many top providers discount pet insurance for multiple pets, but many also knock off a percentage for military personnel, rescue pets, and service animals.

Red Flags To Avoid 

Avoid selecting preset plan options when purchasing multi-pet insurance. Most pet insurance providers offer customizability, so you should take advantage of this to meet each of your pet’s specific needs. Depending on your pet’s breed, age, and medical history, you’ll want to select custom rates that optimize its coverage.

Summary of the Best Pet Insurance Plans for Multiple Pets

*Spot will cover pre-existing conditions that have been asymptomatic or without treatment for 180 days before your policy started. Embrace will cover pre-existing conditions that have been symptom- and treatment-free for at least 12 months before your policy began. Orthopedic events like hip dysplasia and cruciate ligament injuries aren’t eligible for these exceptions.

Spot for Multiple Pets 

Spot is our top choice overall for pet insurance for multiple pets because it offers a generous multi-pet discount (10% per policy) as well as highly customizable policies. You’ll pay a little more, but you also get some of the most comprehensive coverage in the industry.

Cost of Spot for Multiple Pets

Spot’s pet insurance policies for multiple pets are on the higher end of the industry average. Expect to pay between $119 and $177 for coverage on more than one animal. However, Spot offers a range of deductible and reimbursement options you can use to adjust to lower policy costs. You also get coverage for a long list of conditions that other pet insurance providers don’t touch.

What Spot Covers

Spot offers two levels of pet insurance coverage in most parts of the country: 

• Accident and illness coverage: Spot’s most inclusive policy is its comprehensive accident and illness coverage. This plan includes coverage for diagnostic testing, hereditary conditions, surgery, and other services administered in-house related to both sudden accidents and illnesses that develop over time.
• Accident-only coverage: Accident-only coverage provides reimbursement for vet bills related to sudden accidents. Examples of situations that might be included under this plan are car accidents and poisoning. 

Spot ’s accident and illness plans cover:

• Accidents
• Hereditary conditions
• Illnesses
• Congenital conditions
• Behavioral conditions 
• Chronic conditions (including hip dysplasia)

Pros 

• More plan choices. If you’re on a budget, Spot’s accident-only plan offers an affordable choice when insuring multiple animals. 
• Wide breadth of coverages: Covers dental disease, behavioral conditions, and other conditions that may be excluded with competitors. 

• Unlimited coverage option: Spot allows you to choose unlimited annual coverage, which can be beneficial if you think your pet might have higher care cost needs. 

Cons

• More expensive policies: If you’re looking for the cheapest pet insurance possible, Spot will likely not be the best choice. 
• Cannot pay your vet directly: Spot does not currently offer a program to pay participating veterinarians directly, as is offered by some competitors. 

Read more in our Spot pet insurance review.

Rating:

Best for Healthy Pets

5/5

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Lemonade for Multiple Pets 

If you’re on a budget, Lemonade might be your best bet. Lemonade’s premiums are considerably lower than its competitors. Though the coverage isn’t as all-inclusive, Lemonade can present an appealing option for those looking for quick, cheap but solid insurance. 

Cost of Lemonade for Multiple Pets

Lemonade’s pet insurance policies are affordable for multi-pet households. The average pet owner will pay around $50 and $55 for two dogs, much lower than other pet insurance providers offer.

What Lemonade Covers

Examples of items and treatments included under Lemonade’s Base Accident and Illness plan include: 

• Blood tests
• Urinalysis
• X-rays
• MRIs
• Lab work and bloodwork results 
• CT scans 
• Ultrasounds
• Outpatient and specialty care
• Hospitalization
• Emergency care 
• Surgery
• Prescription medications

Lemonade’s policies do not cover vet appointment fees, hydrotherapy or physical therapy. 

Pros 

• Affordable monthly premiums: Lemonade’s premiums are lower than most other competitors. 
• Multiple tiers of wellness coverage: If one of the pets that you want to insure is a puppy or a kitten, Lemonade offers a specialized wellness coverage plan to pay for early life expenses. 
• Mobile applications: Lemonade offers an all-in-one mobile app that makes managing pet policies and other insurance plans simple. 

Cons

• No upfront discount. To claim a multi-pet discount, you need to first buy a policy, download the Lemonade app, and add an additional pet plan. Most providers allow you to view your multi-pet discount upfront, making Lemonade’s application more arduous. 
• No coverage for rehabilitative services. Lemonade’s policies do not include physical therapy as a standard policy inclusion like most other providers. 

To learn more, read our Lemonade pet insurance review.

Rating:

Best Customer Service

5/5

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ASPCA for Multiple Pets 

The ASPCA has been fighting against animal cruelty and mistreatment for more than 150 years. With its all-inclusive policy options, ASPCA offers pet insurance plans you can feel good about, too. 

Cost of ASPCA for Multiple Pets

ASPCA’s pet insurance policies for multiple animals are a little bit higher in cost, ranging from $93 to $124 per month for insurance. However, ASPCA has an industry-leading 10% discount on multiple policies. Its plans also include coverage for both accidents and illnesses, and are highly inclusive – including coverage for vet appointment fees.

What ASPCA Covers

The ASPCA’s Complete Coverage accident and illness plan includes coverage for: 

• Veterinary appointment fees
• Inpatient and outpatient treatments for accidents and illnesses
• Hereditary conditions
• Congenital conditions
• Dental disease 
• Behavioral conditions

Pros 

• All-inclusive plans: ASPCA’s plans include all accidents and illnesses, and even offer coverage for vet appointment fees. 
• Larger multi-pet discount: ASPCA offers a 10% discount on multi-pet insurance, making coverage a bit more affordable. 
• International coverage: ASPCA pet insurance allows you to see any vet in the U.S. or Canada. 

Cons

• More expensive. Policies from ASPCA are more expensive than some competitors.
• Limited coverage: Not all of the ASPCA’s plans are available in every state. Be sure to check your specific area while you’re shopping around. 

Read our ASPCA pet insurance review to find out more.

Rating:

Most Experienced

4/5

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Embrace for Multiple Pets

Embrace gives you an unusually large degree of control over your policy, offering a wide selection of deductible options. You can pick one of five choices ranging between $100 to $1,000. You can also choose a unique deductible for each pet on your plan, allowing you to save money if you have a pet that is less likely to need coverage than the other. 

Cost of Embrace for Multiple Pets

Embrace’s 10% multi-pet discount makes coverage affordable, but costs can still be high: The average pet owner can expect to pay between $97 and $136 per month when insuring two pets. However, choosing a higher deductible can help you save on monthly coverage costs.

What Embrace Covers

Embrace offers one accident and illness plan that covers the following:

• Alternative treatments
• Behavioral treatments
• Dental illness up to $1,000
• Diagnostic tests
• Exam fees for accident and illness-related coverage
• Hereditary and congenital conditions
• Oncology treatments
• Prescription medications

Pets over the age of 15 may only qualify for accident-only plans. 

Pros

• Plenty of plan customization choices: Embrace allows you to choose a separate deductible, coverage limit, and reimbursement rate for each pet included on your plan.
• Can waive waiting period: If your pet has recently received a clean bill of health from their vet, you may not need to go through a waiting period for coverage to begin.

Cons

• Upper limits on dental illnesses: Healthy Paws’ plans include a $1,000 limitation on dental illnesses, which may make your plan less useful.
• Accident-only plans for older pets: If one of your pets is over the age of 15, they will only qualify for accident protection plans.

Check out our Embrace pet insurance review for more information.

Rating:

Best for Multiple Pets

4.5/5

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Healthy Paws for Multiple Pets 

Healthy Paws can be a great choice for pets with chronic or recurring conditions thanks to its unlimited annual coverage benefits. Plans from Healthy Paws also cover orthopedic conditions with no waiting period so long as your pet has a clean bill of health when you sign up for insurance. 

Cost of Healthy Paws for Multiple Pets

All of Healthy Paws’ plans include unlimited annual coverage, so rates are determined by your reimbursement rate and deductible choices. Expect to pay around $130 for coverage on two pets. That’s higher than average, but the unlimited annual coverage is an unusually generous option.

What Healthy Paws Covers

Pet owners who like simplicity may like the policy that Healthy Paws offers, as there are no add-ons or optional coverages. All policies from Healthy Paws come with accident and illness coverage, including coverage for:

• Accidents
• Alternative care
• Breed-specific conditions
• Cancer
• Emergency care
• Genetic and hereditary conditions
• Illnesses that develop over time

Pros 

• Affordable unlimited coverage: Each of Healthy Paws’ plans include unlimited annual coverage, and plans are competitively priced. 
• App-based claims: Healthy Paws has its own mobile app that allows you to file a claim for reimbursements with just a photo. 

Cons

• No multi-pet discount: Healthy Paws does not offer a discount when you insure multiple animals like most competitors. 
• No optional coverages: While most other insurance providers offer add-on options for things like end of life expenses and wellness care, Healthy Paws does not. 

Read more in our Healthy Paws Pet Insurance Review

Rating:

Best for Giving Back

3/5

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Figo for Multiple Pets 

Figo offers highly customizable policies, with four deductible options and reimbursement rates. This helps you balance cost and coverage for each of your individual pets based on their risk of illness. 

Cost of Figo for Multiple Pets

Figo’s pet insurance is competitively priced, with coverage for multiple animals ranging between $90 and $120 per month. While not the least expensive on the market, Figo’s plans can be customized to fit your budget and offer the option to add unlimited coverage. There’s also a 5% discount for multiple pets, helping you save money.

What Figo Covers

Each of Figo’s policies include coverage for: 

• All treatments needed for new injuries and illnesses 
• Orthopedic devices and therapy 
• Surgeries and hospitalization
• Prescription medications 
• Behavioral modification and training (up to $500 annually) 
• Chronic conditions 
• Hereditary conditions 
• Non-routine dental care needs 
• Euthenasia in emergency circumstances 
• Third-party property insurance for pet damage

Pros 

• Affordable unlimited coverage: Figo offers one of the lowest cost options for unlimited annual coverage on multiple animals. 
• Wide range of customization choices: You can customize your Figo pet insurance plan with a unique deductible and reimbursement rate for each pet on your plan.
• Unique additional coverages: Figo’s pet insurance plans include coverage for items usually excluded by insurers, including third-party property damage. 

Cons

• More expensive wellness coverage: Figo’s wellness add-ons, called power ups, start at an additional $9.50 a month for most pets. 
• Vet exam fees not covered: While some pet insurance providers cover vet exam fees on qualifying injuries and illnesses, Figo does not. 

Read more in our Figo Pet Insurance Review.

Rating:

Best Overall

5/5

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Wagmo for Multiple Pets 

If you have more than one pet and a single household emergency fund, it’s extra important to compare pet insurance for multiple pets in terms of reimbursement speed. Wagmo reimburses you in 24 hours or less for pet wellness and 2 weeks or less for pet insurance. 

Cost of Wagmo for Multiple Pets

Wagmo offers one policy, which includes $20,000 worth of coverage per pet and 90% to 100% reimbursement for vet bills. Multi-policy shoppers will usually pay between $200 and $250 a month to insure two animals, which is on the higher end of the cost spectrum. 

What Wagmo Covers

Wagmo’s policies are comprehensive and include coverage for: 

• Prescription medications
• Emergency vet visits
• Virtual, in-home or in-office care
• Hospital stays
• CT scans
• Laboratory tests
• Cancer treatment
• Hereditary and congenital conditions
• Surgeries
• X-rays
• Ultrasounds
• Prosthetics and orthopedics
• Hip dysplasia (not covered on pets over 6 months old)
• End-of-life care (euthanasia)
• Pet ambulance (maximum benefit of $100)

Pros 

• Quick payouts. Repayments in two weeks or less helps you refill your emergency fund faster in case another pet gets sick. 
• 100% reimbursements available. Wagmo allows you to recoup up to 100% of veterinary care costs. 

Cons

• Multiple limits. Wagmo’s policies include both a per-incident coverage limit as well as a lifetime limit on the amount insurance will pay out to you.
• More expensive. Wagmo’s policies are more expensive than some competitors.

Red more in our Wagmo Pet Insurance review.

Rating:

Most Wellness Plan Options

4.4/5

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Trupanion For Multiple Pets 

Trupanion allows policyholders to choose a completely custom deductible for each pet included on their policy, from $0 to $1,000. This can be beneficial if you have one pet with more health needs than others, as you can choose a higher deductible and save on the policy for the pet less likely to need emergency care. 

Cost of Trupanion for Multiple Pets

Trupanion’s policies include unlimited annual coverage and 90% reimbursements, so rates are higher than you’ll find with other providers. The average multi-pet policy will cost around $200 per month. You can lower your premium costs by selecting a higher deductible. 

What Trupanion Covers

Trupanion’s accident and illness policy covers: 

• Treatments for illnesses
• Treatments for injuries 
• Diagnostic tests related to injuries or illnesses
• Prescription medications and supplements
• Surgeries and hospitalization

It does not cover physical therapy or other rehabilitative services commonly covered on other plans or veterinary exam fees on any appointment. 

Pros 

• No annual coverage limits. Trupanion offers unlimited annual coverage on all of its policies.
• Customizable deductibles. Trupanion allows you to choose any deductible between $0 and $1,000. Choose a higher deductible for a lower monthly premium and vice-versa. 
• 24/7 access. Trupanion’s customer support team is available 24 hours a day and 7 days a week. 

Cons

• Expensive. All of Trupanion’s plans include all-inclusive coverage, which makes them a less appealing choice for pet owners on a budget. 
• Excludes rehabilitative services. Common rehabilitative services (like physical therapy and hydrotherapy) are not included as standard coverages. 
• Less customization. Trupanion does not allow you to choose between multiple coverage limits and reimbursement rates. 

Read more in our Trupanion pet insurance review.

Rating:

Most Flexible Deductibles

4.3/5

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How Pet Insurance Works for Multiple Pets

Pet insurance for multiple pets works almost identically to standard reimbursement-based pet insurance for a single animal. Multi-pet insurance plans include a separate deductible for each pet, meaning that you’ll need to meet it with each dog or cat’s individualized care costs. You’ll pay for veterinary care at the time of service, submit a receipt to your insurance provider, and see a refund for a percentage of covered treatments your pet received. 

As you shop for a policy, you’ll notice a variety of coverage terms specific to the insurance industry. Be sure to review the following three important coverage points before you buy pet insurance. 

• Deductible. A plan’s deductible is the amount of money pet owners need to contribute to each pet’s care costs before insurance will begin reimbursing them. Multi-pet insurance policies include a unique deductible for each pet on the plan. 
• Reimbursement rate. The reimbursement rate is the percentage of your vet bills that insurance will cover after meeting your deductible. 
• Coverage limits. All pet insurance plans include upper limits on coverage. Note this coverage limit, which may be instituted annually or per condition.

How to Find the Best Insurance for Your Multiple Pets

To find the best multi-pet insurance, you can generate sample pet insurance quotes from a few providers. This will help you see available plan options and prices. You may find that one provider offers a customization level that lowers your premiums without cutting your coverage short. 

What To Look For in a Policy

While researching policies, look for providers that cover as many of your pet’s needs as possible.

For example, if you have a kitten and a senior cat, you’ll want to find a provider with no age limits and highly customizable rates. You might also need a wellness package add-on and physical therapy coverage for your little buddy’s first year and your longtime pal’s rehabilitation.

Keep an eye out for companies that offer discounts, too. We know that many top providers discount pet insurance for multiple pets, but many also knock off a percentage for military personnel, rescue pets, and service animals.

Red Flags To Avoid 

Avoid selecting preset plan options when purchasing multi-pet insurance. Most pet insurance providers offer customizability, so you should take advantage of this to meet each of your pet’s specific needs. Depending on your pet’s breed, age, and medical history, you’ll want to select custom rates that optimize its coverage.

Final Thoughts: Is pet insurance worth the cost for multiple pets?

You should never have to choose between your budget and your pet’s healthcare, no matter how steep the cost. Pet insurance provides a financial buffer, allowing you to give your pets more than the bare minimum for veterinary care.

We hope this article helps you find the best pet insurance for multiple pets, so you can stress less and focus more on being the multitasking, ball throwing, superstar pet parent you are. No matter which plans you choose, you’ll have peace of mind knowing every last one of your fur babies is covered from wet nose to wagging tail.

Frequently Asked Questions About Pet Insurance For Multiple Pets

Is pet insurance cheaper with multiple pets?

Pet insurance for multiple pets is often cheaper because most companies offer bundling discounts. When you buy multiple policies, you can claim a percentage discount on each plan.

Can I Buy Pet Insurance for Multiple Pets?

It is possible to add multiple pets to a plan with some of our providers, while others may require you to purchase a separate policy for each pet. Many providers will allow you to buy multiple policies for cats and dogs, however, you may be out of luck with birds and exotic pets.

How Does Pet Insurance for Multiple Pets Work?

Depending on whether you choose to buy pet insurance for multiple pets or have separate policies for each pet, you will either have one policy covering all your pets or separate policies for each pet. If you have more than one pet on the same policy, you may have a separate deductible and reimbursement amount. A claim will be submitted to your insurance company after you pay your pet’s vet bill upfront. It’s simply a matter of selecting the pet for which the claim has been submitted.

Our Methodology

To determine the best pet insurance providers, we conduct a detailed analysis of 38 different pet insurance companies operating in the United States and Canada. We put data from each provider through the same rigorous test, examining how each company performs in key areas that are relevant to pet owners. Our seven criteria are then weighted to produce a total score.

• Price: 20%
• Coverage: 20%
• Customer service: 15%
• Reliability: 15%
• Choice: 10%
• Plan features: 10%
• Transparency: 10%

The best pet insurance providers offer coverage for a wide range of conditions at an affordable price. They also feature flexible customer service, a long reputation of excellence, transparent policies and the ability  to customize your pet insurance plan to your individual needs. You can read more details about our ratings and review methodology here.